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TABLE 5–6 Cash Accumulation Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 3% (on accumulations)
Policy Year	WL Premium	ART Premium		Prem Diff.		Accum. Diff. @ 3%		WL Cash Values		Term Plus Side Fund		WL + Paid-up Adds.		ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 365 386 409 434 460 491 528 574 628 685 753 838 946 1,071 1,226 1,427 1,679 1,942 2,483 3,127		$ 1,822 1,801 1,778 1,753 1,727 1,696 1,659 1,613 1,559 1,502 1,434 1,349 1,241 1,116 961 760 508 245 –296 –940		$ 1,877 3,788 5,733 7,710 9,720 11,759 13,820 15,896 17,979 20,066 22,145 24,199 26,203 28,138 29,972 31,654 33,127 34,374 35,100 35,185		$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 98,123 96,287 94,470 92,817 91,252 90,562 90,588 91,653 93,484 94,810 96,926 99,957 104,304 108,651 113,924 121,065 129,618 135,971 148,582 160,947

TABLE 5–7 Cash Accumulation Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 5% (on accumulations)
Policy Year	WL Premium	ART Premium	Prem Diff.		Accum. Diff. @ 5%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.	ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 365 386 408 433 457 486 521 564 615 666 729 806 905 1,019 1,159 1,342 1,570 1,804 2,300 2,885	$ 1,822 1,801 1,779 1,754 1,730 1,701 1,666 1,623 1,572 1,521 1,458 1,381 1,282 1,168 1,028 845 617 383 –113 –698		$ 1,913 3,900 5,963 8,104 10,325 12,628 15,008 17,463 19,987 22,583 25,243 27,955 30,698 33,460 36,212 38,910 41,504 43,981 46,061 47,631	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132	$ 98,087 96,175 94,240 92,423 90,647 89,693 89,400 90,086 91,476 92,293 93,828 96,201 99,809 103,329 107,684 113,809 121,241 126,364 137,621 148,501

TABLE 5–8 Cash Accumulation Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 7% (on accumulations)
Policy Year	WL Premium	ART Premium		Prem Diff.		Accum. Diff. @ 7%		WL Cash Values		Term Plus Side Fund		WL + Paid-up Adds.		ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 365 385 407 431 454 481 514 553 600 646 701 769 857 956 1,077 1,236 1,433 1,628 2,060 2,563		$ 1,822 1,802 1,780 1,756 1,733 1,706 1,673 1,634 1,587 1,541 1,486 1,418 1,330 1,231 1,110 951 754 559 127 –376		$ 1,950 4,014 6,200 8,513 10,964 13,556 16,296 19,185 22,226 25,431 28,801 32,334 36,020 39,859 43,837 47,924 52,085 56,329 60,408 64,235		$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 98,050 96,061 94,003 92,014 90,008 88,765 88,112 88,364 89,237 89,445 90,270 91,822 94,487 96,930 100,059 104,795 110,660 114,016 123,274 131,897

TABLE 5–9 Cash Accumulation Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 10% (on accumulations)
Policy Year	WL Premium	ART Premium		Prem Diff.		Accum. Diff. @ 10%		WL Cash Values		Term Plus Side Fund		WL + Paid-up Adds.		ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 365 385 405 428 448 473 501 535 574 610 652 703 767 836 918 1,026 1,157 1,265 1,555 1,867		$ 1,822 1,802 1,782 1,759 1,739 1,714 1,686 1,652 1,613 1,577 1,535 1,484 1,420 1,351 1,269 1,161 1,030 922 632 320		$ 2,005 4,188 6,566 9,158 11,987 15,071 18,432 22,093 26,076 30,149 35,149 40,297 45,888 51,963 58,554 65,687 73,388 81,741 90,610 100,023		$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 97,995 95,887 93,637 91,369 88,985 87,250 85,976 85,456 85,387 84,457 83,922 83,859 84,619 84,826 85,342 87,032 89,357 88,604 93,072 96,109

TABLE 5–10 Cash Accumulation Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 12% (on accumulations)
Policy Year	WL Premium	ART Premium	Prem Diff.		Accum. Diff. @ 12%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.	ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 364 384 404 425 445 467 492 521 554 582 613 649 694 736 783 844 912 936 1,087 1,208	$ 1,823 1,803 1,783 1,762 1,742 1,720 1,695 1,666 1,633 1,605 1,574 1,538 1,493 1,451 1,404 1,343 1,275 1,251 1,100 979		$ 2,041 4,306 6,819 9,610 12,714 16,167 20,005 24,271 29,012 34,292 40,170 46,712 53,990 62,094 71,117 81,156 92,322 104,802 118,610 133,939	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132	$ 97,959 95,769 93,384 90,917 88,258 86,154 84,403 83,278 82,451 80,584 78,901 77,444 76,517 74,695 72,779 71,563 70,423 65,543 65,072 62,193

TABLE 5–11 Equal Outlay Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Interest Rate 3%
Policy Year	WL Premium	ART Premium	Prem Diff.	Accum. Diff. @ 3%		WL Cash Values		Term Plus Side Fund			WL + Paid-up Adds.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 372 401 433 468 504 542 583 626 672 722 777 838 907 986 1,076 1,179 1,295 1,428 1,671 1,943	$ 1,815 1,786 1,754 1,719 1,683 1,645 1,604 1,561 1,515 1,465 1,410 1,349 1,280 1,201 1,111 1,008 892 759 516 244	$ 1,869 3,765 5,685 7,626 9,588 11,570 13,569 15,584 17,612 19,649 21,691 23,731 25,762 27,772 29,749 31,680 33,549 35,337 36,929 38,288		$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$101,869 103,765 105,685 107,626 109,588 111,570 113,569 115,584 117,612 119,649 121,691 123,731 125,762 127,772 129,749 131,680 133,549 135,337 136,929 138,288			$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132

TABLE 5–12 Equal Outlay Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Interest Rate 5%
Policy Year	WL Premium	ART Premium	Prem Diff.	Accum. Diff. @ 5%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 372 401 433 468 504 542 583 626 672 722 777 838 907 986 1,076 1,179 1,295 1,428 1,671 1,943	$ 1,815 1,786 1,754 1,719 1,683 1,645 1,604 1,561 1,515 1,465 1,410 1,349 1,280 1,201 1,111 1,008 892 759 516 244	$ 1,906 3,876 5,912 8,012 10,180 12,416 14,721 17,097 19,542 22,058 24,641 27,289 29,998 32,759 35,563 38,400 41,256 44,116 46,864 49,463	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$101,906 103,876 105,912 108,012 110,180 112,416 114,721 117,097 119,542 122,058 124,641 127,289 129,998 132,759 135,563 138,400 141,256 144,116 146,864 149,463	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132

TABLE 5–13 Equal Outlay Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Interest Rate 7%
Policy Year	WL Premium	ART Premium	Prem Diff.	Accum. Diff. @ 7%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 372 401 433 468 504 542 583 626 672 722 777 838 907 986 1,076 1,179 1,295 1,428 1,671 1,943	$ 1,815 1,786 1,754 1,719 1,683 1,645 1,604 1,561 1,515 1,465 1,410 1,349 1,280 1,201 1,111 1,008 892 759 516 244	$ 1,942 3,989 6,145 8,415 10,804 13,321 15,970 18,758 21,692 24,778 28,021 31,426 34,995 38,730 42,630 46,692 50,915 55,291 59,714 64,155	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$101,942 103,989 106,145 108,415 110,804 113,321 115,970 118,758 121,692 124,778 128,021 131,426 134,995 138,730 142,630 146,692 150,915 155,291 159,714 164,155	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132

TABLE 5–14 Equal Outlay Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Interest Rate 10%
Policy Year	WL Premium	ART Premium	Prem Diff.	Accum. Diff. @ 10%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 372 401 433 468 504 542 583 626 672 722 777 838 907 986 1,076 1,179 1,295 1,428 1,671 1,943	$ 1,815 1,786 1,754 1,719 1,683 1,645 1,604 1,561 1,515 1,465 1,410 1,349 1,280 1,201 1,111 1,008 892 759 516 244	$ 1,997 4,161 6,506 9,048 11,804 14,794 18,037 21,558 25,381 29,530 34,034 38,922 44,222 49,965 56,184 62,911 70,183 78,036 86,407 95,317	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$101,997 104,161 106,506 109,048 111,804 114,794 118,037 121,558 125,381 129,530 134,034 138,922 144,222 149,965 156,184 162,911 170,183 178,036 186,407 195,317	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132

TABLE 5–15 Equal Outlay Comparison Method
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Interest Rate 12%
Policy Year	WL Premium	ART Premium	Prem Diff.	Accum. Diff. @ 12%	WL Cash Values	Term Plus Side Fund	WL + Paid-up Adds.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	$ 372 401 433 468 504 542 583 626 672 722 777 838 907 986 1,076 1,179 1,295 1,428 1,671 1,943	$ 1,815 1,786 1,754 1,719 1,683 1,645 1,604 1,561 1,515 1,465 1,410 1,349 1,280 1,201 1,111 1,008 892 759 516 244	$ 2,033 4,277 6,755 9,491 12,514 15,859 19,558 23,653 28,189 33,212 38,777 44,941 51,767 59,324 67,688 76,939 87,171 98,482 110,877 124,456	$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900	$102,033 104,277 106,755 109,491 112,514 115,859 119,558 123,653 128,189 133,212 138,777 144,941 151,767 159,324 167,688 176,939 187,171 198,482 210,877 224,456	$ 100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132

TABLE 5–16 Linton Yield Method—20 Year
Male Aged 48—$100,000 Whole Life Dividends Purchase Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 3.132% (on accumulations)
Policy Year	WL Premium		ART Premium		Prem Diff.		Accum. Diff. @ 3.132%			WL Cash Values		Term Plus Side Fund		WL + Paid-up Adds.		ART Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187		$ 365 386 409 434 460 491 528 573 627 683 752 836 944 1,068 1,222 1,422 1,672 1,934 2,472 3,113		$ 1,822 1,801 1,778 1,753 1,727 1,696 1,659 1,614 1,560 1,504 1,435 1,351 1,243 1,119 965 765 515 253 –285 –926		$ 1,879 3,795 5,748 7,735 9,759 11,814 13,896 15,995 18,105 20,222 22,336 24,429 26,477 28,460 30,347 32,086 33,622 34,936 35,736 35,900			$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$100,000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$ 100.000 100,075 100,203 100,527 100,972 102,321 104,408 107,549 111,463 114,876 119,071 124,156 130,507 136,789 143,896 152,719 162,745 170,345 183,682 196,132		$98,121 96,280 94,455 92,792 91,213 90,507 90,512 91,554 93,358 94,654 96,735 99,727 104,030 108,329 113,549 120,633 129,123 135,409 147,946 160,232

TABLE 5–17 Belth Yearly Cost and Yearly Return Methods
Male Aged 48—$100,000 Whole Life Dividends Buy Paid-up Additions Annual Renewable Term (ART) Decreased to Equalize Death Benefits Interest Rate 3.132% (on accumulations)
Policy Year	WL Premium	ART Rate		Divi- dends.		WL Cash Values		Yearly Benefit		Yearly Invest- ment		Yearly Return %		Yearly Cost
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$ 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187 2,187	3.72 4.01 4.33 4.68 5.04 5.42 5.83 6.26 6.72 7.22 7.77 8.38 9.07 9.86 10.76 11.79 12.95 14.28 16.71 19.43		$ 0 76 120 170 185 217 280 325 390 415 455 550 615 707 775 845 952 1,020 1,140 1,250		$ 0 1,456 2,963 4,516 6,119 7,775 9,470 11,210 12,992 14,820 16,698 18,625 20,605 22,638 24,720 26,857 29,042 31,276 33,559 35,900		$ 372 1,927 3,503 5,133 6,777 8,492 10,278 12,091 13,967 15,850 17,800 19,857 21,940 24,108 26,305 28,564 30,913 33,277 35,809 38,395		$ 2,187 2,187 3,643 5,150 6,703 8,306 9,962 11,657 13,397 15,179 17,007 18,885 20,812 22,792 24,825 26,907 29,044 31,229 33,463 35,746		–82.99 –11.88 –3.84 –0.33 1.11 2.24 3.17 3.72 4.25 4.42 4.66 5.15 5.42 5.77 5.96 6.16 6.43 6.56 7.01 7.41		$ 22.96 7.76 7.65 7.56 7.82 7.91 7.84 7.94 7.87 8.25 8.46 8.04 7.97 7.58 7.59 7.52 7.08 7.19 6.58 5.98

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